Best 0% APR Credit Cards

Are you looking for a credit card that offers a 0% APR on new purchases? If so, you’ve come to the right place. In this article, we will provide you with a comprehensive roundup of the best credit cards that offer this attractive feature.

A 0% APR on new purchases means you can make purchases without accruing any interest for a specific period, typically ranging from 15 to 21 months. This can be beneficial when you have a large purchase or need some time to pay off your expenses. We will not only focus on the length of the zero percent offer but also consider the rewards, bonuses, and overall value of each card.

Let’s explore the top credit card options available.

1. Bank of America and Wells Fargo: 21 Months Zero Percent Offer

Two leading card issuers, Bank of America and Wells Fargo, offer credit cards with a zero percent APR on new purchases for an impressive 21 months or 21 billing cycles. While these cards don’t provide rewards, they can be useful if you prioritize a longer zero-percent offer.

It’s important to note that balance transfer fees may apply to these cards. Consider these options if you need an extended interest-free period for your new purchases.

2. Bank of America: 18 Months Zero Percent Offer

Bank of America offers several credit cards with a zero percent APR on new purchases for 18 months or 18 billing cycles. These cards provide a combination of attractive rewards and a zero-percent offer. Here are the notable Bank of America cards:

Bank of America Customized Cash Rewards Card: This no-annual-fee card offers three percent cash back in a category of your choice, two percent at grocery stores and wholesale clubs, and one percent on all other purchases.
Bank of America Unlimited Rewards Card: With a 1.5 percent cash back rate on all purchases, this card provides simplicity and consistent rewards.
Bank of America Travel Rewards Card: While not the most enticing card, it offers a zero percent APR on new purchases for 18 months and provides some rewards for travel expenses.

Consider these Bank of America cards for their appealing rewards and the 18-month zero percent offer.

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3. Other Cards: 15 Months Zero Percent Offer

The following credit cards provide a 0% APR on new purchases for 15 months or 15 billing cycles. These cards stand out for their rewards and overall value, making them suitable even if you don’t need an extended zero percent offer:

American Express Blue Cash Everyday Card: This no-annual-fee card offers three percent cash back on groceries and online shopping, making it an excellent choice for everyday expenses.
Citi Custom Cash Card: With a unique five percent cash back in your top spending category each billing cycle, this card provides flexibility and competitive rewards.
Capital One SavorOne Card: Offering three percent cash back in select categories, this no-annual-fee card is ideal for those who enjoy dining and entertainment.
Chase Freedom Unlimited and Freedom Flex: These cards provide new cardholder bonuses and attractive rewards, making them versatile options for everyday spending.
US Bank Cash+ Card: With customizable five percent cash back categories, this card allows you to tailor your rewards to suit your preferences.
Wells Fargo Active Cash Card: Offering two percent cash back on all purchases, this card stands out for its simplicity and ongoing rewards.
Discover It Cash Back, Discover It Miles, and Discover Chrome: Discover’s cards provide a zero percent APR on new purchases for 15 months and offer various rewards options, including cash back and miles.
Bank of the West Cash Back Card: With three percent cash back in enticing categories, this card is a noteworthy choice for those seeking ongoing rewards.